Citi

Review: Upon review of my monthly charges of my credit card through Citigroup or Citibank, I noticed an unauthorized charge for "Debt Protection" for $25 (estimated each month). This was a monthly charge that I had never authorized. I reached out to the contact information provided on the website, and I was directed to a third party company called "[redacted]" (which will also have a complaint filed against shortly after this). [redacted] advised me they did not have anything on file stating I had authorized this charge, and that they would take up to 30 days to give me a solution to the charges which had been accruing monthly for 7 years (started in June of 2008). The representative quickly stated they would cancel the service, and would review the situation and send me the resolution in the mail. Obviously, not satisfied with this response, I called back Citibank/Citigroup and was told by the first representative that I could not dispute this charge at all. After speaking to a [redacted], I was advised I could dispute up to 6 months, which I quickly did and stated I would be forwarding this information to the Revdex.com to review as this charge was never authorized in the first place 7 years ago. There is roughly $2400 that I would like to recoup back to my credit card statement, as I have never authorized or knew this was being charged to my card in the first place. Currently, I am advised that Citigroup is disputing $162.48, for the prior 6 months, and will not be doing anything with the other 6.5 years because they 'do not have these records on file'. Frankly, my credit institution seems to be stringing me along in this circumstance, and I feel as though I am being scammed. Please advise.Desired Settlement: DesiredSettlementID: Refund

$2400 in refunded charges.

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. If you would like to further discuss the resolution, may I suggest you contact him/her directly?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Citi did send a document to my residence offering a further investigation with no estimated conclusion date, along with a interim credit of $77.44 for 3 months of accrued charges (3 monthly payments and corresponding interest associated with those months). It was also stated that Citi had taken over the ownership of the line of credit on September [redacted], 2013 (roughly 19 months ago to date). As Citi states at the bottom of the document, they regret any inconvenience caused and appreciate my patience, therefore, I would greatly appreciate a full refund of, at the very least, the 19 months of charges for "Debt Protection" due back to an unsubscribed product along with the interest this has incurred. I have also placed a formalized complaint the secondary company involved in this complaint history ([redacted], which provides the "Debt Protection") and have yet to hear anything in regards to a response yet. Until the completion of the investigation (as stated in the document provided by Citi), there has been no actual resolution to this complaint.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. If you would like to further discuss the resolution, may I suggest you contact himdirectly?

Review: Made a purchase utilizing [redacted] Credit 24 month interest free promo. Was charged over $1800 in interest, payments were not applied as requested.

In November 2012, I purchased some carpeting using my [redacted] Credit Card that was offering a 24 Month No Interest promotion. I have also been a small business owner and operator in [redacted], [redacted] for over 32 years. We have used this card for our business and personal for over eight years. I sent in regular monthly payments ranging from $250.00 to $400.00 that enclosed a notation to apply the payments to the 24 Month No Interest promotional balance. In addition to my monthly payments to go against the promotional balance, the bookkeeper for my business sent in monthly payments to go toward the regular balance as well. I had to consistently call in to the credit services center to correct incorrect payment applications. When the promotion ended, I was charged $1818.38 in retroactive interest from the purchase date. I mailed a letter to [redacted] as I was told to do to resolve billing issues. I attached copies of the notes I enclosed with my check detailing payment application, monthly statements showing where I sent in a payment and my bookkeeper sent in payments but they denied my request to refund the interest charge. I was told by the [redacted] of operations that you have to call in every time you make a payment toward a promotional balance and tell them where to apply it or else they apply it to where they think it should go. I called the credit center over a three day period acting like a customer that needed to mail in a payment toward a promotional balance and asked how I should make promotional purchase payments and was told that I can make a note when I mail in my check. This is what I had done. The [redacted] in the disputes department told me that he had no authority to help me and that the payment center just enters the checks. He stated they don't look over notes on how to apply payments. I am upset and frustrated that [redacted] brushed me off in such a manner and lied to me to cover up their payment center not taking due care to apply customer payments as they are asked to. [redacted]'s consumer credit card is through CitiBank so I went through the booklet online concerning the stipulations of the [redacted] Credit Card. It doesn't say anywhere that you have to call to direct payment application. It only states that excess payments or payments above the minimum payment due are applied to the deferred interest promotions up until they expire. That means that when our business sent in payments and I sent in payments there were at least six to seven months where they received three payments in one month. I went back through our monthly statements and notated in the letter that I sent to [redacted] where they had just applied all payments to the regular balance. I had to call in on at least six different occasions when I noticed balance discrepancies in 2014. I almost knew this was going to happen and was grateful I kept such detailed records however that isn't doing much good when the supervisors and managers I speak to lie about company policy on payment applications. I also found a lawsuit filed against [redacted] in 2004 where they were sued over credit card promotions being deceptive. The lawsuit further states that consumers payments were mishandled and misapplied to deprive consumers of the true No Interest promotions. I'm very upset to see that this has happened in the past and is still occurring. I have tried to remedy this through [redacted], CitiBank and the proper channels, however, I am not being taken seriously. I want the retroactive interest charge of $1818.38 removed from my account balance immediately.Desired Settlement: I want the retroactive interest charge of $1818.38 removed or refunded to my account balance.

Business

Response:

We responded to the customer on April **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. [redacted] refunded all the retroactive interest and all late fees to my account. Thank you!

Sincerely,

Review: I called [redacted] customer service on nov at [redacted] est time I was on hold for a long time &the rep hung up on me then I called back & got hung up on

I got hung up twice o nov *. I called and didn't feel like a valuable customer. [redacted] sends me ads in the mail saying I'm a valuable customer right now I don't feel like one. I just want to settle my correct balance with them and part waysDesired Settlement: I want to be credited the $650 interest charge and pay off my whole balance so I won't have to deal with this company again. I explained to them that I had been out of work for the past year and I was still paying them plus I also explained that I had swapped out a camera thru their insurance program and thats what confused me .

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to the customer within the next 7-10 business days. [redacted]Executive Response

Review: As long as I have had my [redacted], it has been set up to automatically make payments from my bank account. I have never been late on payments. This past June, an annual fee was added to my previously current account balance. However, the automatic payment system did not act as it usually does, so the account became past due for several months. As a result, over $100 in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency to appear on my credit report.Desired Settlement: This problem occurred due to an error on part of the credit card company. I have paid off the entire balance due, which includes both the annual fee and the multiple late fees that have been charged. I am not concerned about having the late fees refunded. I simply want all negative information related to this problem to be removed from my credit report. I feel this is reasonable given the severe and long-lasting consequences associated with having the delinquency on my credit report, especially in context with the small size of the balance due and the fact that it was not related to irresponsible purchases.

Business

Response:

We are responding to the customer via U.S. Postal Mail on November *, 2015, and the customer should receive this response in 7-10 business days. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

As you can

see from the attached letter, the business has done absolutely nothing to

resolve this simple problem that is due to a mistake on their part. They

continue to maintain that I never had automatic payments set up, which means

that they are either lying in order to take advantage of me or that they have a

computer malfunction that they are ignoring. I have always had this

account on automatic payments, and it is not clear to me why this function was

disabled without my consent. It would not have been that difficult for

them to just fix the credit report and let it go. These are extremely

unreasonable and unethical business practices, and I advocate for the most

severe possible impact on their Revdex.com profile.

Sincerely,

Business

Response:

We have responded directly to the customer on November **, 2015 via U.S. Postal Mail. He should receive this response within 7-10 business days.If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Review: [redacted] Credit Service charging interest on interest. I made a purchase on an offer for an 18 month at no interest. But while I was making set amount payments so that the account will paid in full by the term period, They were not applying the payments to the offer but rather to the newer purchases on the account When suddenly they added all the accumulated interest to my account. I called them and I was told that I needed to inform them where the money was to be applied. Since I did not they applied to the newer purchases. They totally disregarded the Frank Dodd Law and now they are charging 30.00 of interest each month on my account. I called 3 times since they began the charges but they said it was my fault for not informing them where I wanted the payments to be applied.

Product_Or_Service: Carpet/instalation

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

What is expectedThat they honor their 18 month offer and adjust my account back to apply all payments correctly to the 18 month offer and remove the added accumulated interest fees from my account. I am under a financial hardship but have never fail to send a payment to the account, and I will continue to pay for all other purchases and the account balance for those purchases as set under their credit terms.

Business

Response:

We have responded direclty to the customer and he will receive our response in 7-10 business days. If you would like a copy of the response we suggest you contact him directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I opened a Credit card with Citi. The particular card is called Citi Expedia Voyager. When I was purchasing a flight through expedia they advertised this card, saying if you opened the card right then and purchased the flight with the card, Citi would give you a $100 credit back to the card. It was a pretty clean cut advertisement. I even talked to somebody on the phone that tried to sell me on getting more credit on the card. I told them I was just interested in the discount and to open as is. I opened the card and got the credit with in a few days. Everything was great. But then a month after I got a call from Citi saying I owed 95$ on the card. Big surprise since I hadn't used it since the flight and I had paid off the balance.

They explained it was a a annual fee. First time I heard of an annual fee for the card. It was not on their advertisement and the person on the phone didn't mention it either. This is very sneaky and wrong. I'm sure it says it on the huge book/pamphlet they send you in the mail. But this is still after the fact of getting the card already.

I just think this shouldn't be allowed. They put in big that they give you $100 and don't even mention they are going to charge you $95. Why would anybody bother in getting this card.

I tried to get a refund through citi, but they said that was impossible. Instead they gave me the opportunity to make $30 en expedia points after spending $150 more on their card in 3 months time, spread out in 15 purchases. Not even remotely close to giving me the $95 backDesired Settlement: Refund me $95 and be clear with people when there is an annual fee, UPFRONT, not after the fact

Business

Response:

We

will be corresponding directly with our customer. If you would like to

further discuss the resolution, may I suggest you contact them directly?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I have not heard from them yet. If they do contact me and resolve the issue, I will let you know

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Citi has sent me a letter. But not refunded the $95 annual fee. The letter says I was given the option to pick a card with no annual fee. But that is completely not true. They do point out that I did accept the terms and conditions, which is true. I'm sure it was somewhere in a huge long seperate page with the full terms and conditions. I don't deny that they wrote it somewhere. My complaint is that it should of been upfront in the advertisement. There are a couple important things people want to know when getting a credit card, and if the card has a annual fee it should be clear. They write in big lettering that you get $100 for signing up, but the fact that they charge you $95 to get the card is buried in the terms and conditions. This was very sneaky. I know they aren't going to refund it, but they lost a customer. Hopefully this complaint helps others to be cautious and read the fine print with Citi bank

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We

will be corresponding directly with our customer. If you would like to further

discuss the resolution, may I suggest you contact them directly?

Review: I've been having problems with this company ever since I had to go out of the country for my wife's medical issues that started at around November of 2013. I had to leave the country on January of 2014. We had set up an automatic payment to not miss any payments but we were noted as not paid? When we came back on April we shruged it off since we were dealing with a lot of things already. On June my wife ended up having more issues with her pregnancy and we had to leave again, it was like this for a while until she unfortunately lost our baby boy whom we named [redacted]. We had very very expensive medical bills and a funeral on top of that, there was no way we could have paid off in full the amount they were asking we had been placed on collections without either of us knowing. My wife and I tried contacting them explaining our situation and to have some kind of understanding caring heart for what we have just been through but they just said that we had to arrange with the people who took over our account which was a debt collecting agency. We contacted them arranged payments and we still couldn't compromise on something. Later our family helped us out and we were able to pay the full amount. We sent in a Money order. But now that I look at my credit report its reporting we still owe the same ammount? How if it was paid off in full? And all these late payments at on my credit report I tried explaining what was going on and they assured me If it was paid off it would be taken off my report. So what is going on?Desired Settlement: I would like my bill adjusted to what is already paid off. I've been through way too much to deal with negative credit right now and I'm asking for that to be fixed asap please. Adjust at least the months late of payments when I was not in town and take off all these negative things from my report. Put yourself in my shoes, and try to understand where I'm coming from and what I just went through.

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Review: After my calling twice in Sept. **, and Sept. **, 2014,in good faith before to let them know, [redacted] continues to call and harass me.

[redacted] continues to call me about my bill which I late for the FIRST time. I called beforehand 9/** and 9/**/14 to let them know. Yet they continue to call on a daily basis. I spoke with 2 people yesterday, [redacted], and [redacted]. There has been illness and unforeseen circumstances which I told them about. For 2 years I have never been late. Now for one late payment, even though I twice called before, and they have a record of my calls, they continue to harass me on a daily basis. They also speak unclearly, phone numbers and are not clear in WHO THEY ARE.Desired Settlement: To refund late fees if any and stop calling and harassing me on a continual basis.

Business

Response:

Thank you for your communication regarding [redacted]'s [redacted] Credit account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to [redacted] within the next 7-10 business days.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here] I still keep receiving letters from Citibank which said they handle [redacted], yet when I called corporate [redacted], "[redacted]" said there would be an ongoing investigation. [redacted] took the name of [redacted] who I talked to at Citibank, who would not even let me finish a sentence. I called [redacted] and let them know that these tactics are driving away good customers with their strong arm tactics. I forewarned [redacted] in Sept. that I was going through a very devastating hardship, and I was touching base with them even before I was late. These unending phone calls, and letters must stop.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

%

Review: I have been trying to get copies of statements ranging from Nov. 2005 to March 2006. I keep getting the run around but I haven't received these statements yet. I requested these for the first time over 2 years ago. I would appreciate some guidance in how to resolve this issue.Thank youDesired Settlement: DesiredSettlementID: Other (requires explanation) I would like to receive copies of the statements requested.

Business

Response:

Please forward to your [redacted] contact.

Business

Response:

RE: XXXX XXXX XXXX [redacted]

Dear [redacted]:

We have received an inquiry from the Revdex.com of New York regarding the above-referenced [redacted] MasterCard account, which is issued by Citibank, N.A. We wanted to take the time to personally respond to your letter as the service provided to our customers is of critical importance to us.

This letter is sent in regards to your additional concerns with your request for billings statements for the November 2005 through the March 2006 billing cycle. Unfortunately, the requested billing statements are no longer available. However, we were previously able to provide you with itemizations for the timeframe in question. The itemizations were enclosed in a correspondence dated December **, 2012, from this office. Please find the itemizations enclosed for your convenience. We regret any inconvenience you may have experienced.

Thank you for allowing us the opportunity to respond to your concerns. If you should have additional questions, please do not hesitate to contact us at the telephone number listed below. Our office hours are Monday through Thursday from 9 a.m. until 6 p.m. and Friday from 9 a.m. until 5 p.m., ET. Our telecommunication number for our hearing impaired customers is ###-###-####.

Sincerely,

Presidential Communications

###-###-####

Review: Did not divulge vital components of promotional purchases.

I bought an item on credit from [redacted] under a promotional offer. I was told that if I paid the balance off before the end of the promotional period, that I would not be charged any interest. I subsequently set up automatic payments to ensure the amount financed would be paid off well before the end of the promotional period. After the period ended, I found a $530 interest amount added to my account. When I inquired about it, I was told that payments made to the account had to be specified personally to go to a specific purchase. I was never told this when I made the purchase, and this is quite a significant thing to not divulge as it virtually guarantees that promotional balances will not be paid off on time.Desired Settlement: I would like the $530 refunded and any applicable interest removed.

Business

Response:

We will corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Business has offered absolutely no type of resolution or restitution regarding the matter.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Authorization has been sent.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We responded to the customer on January **, 2015. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Review: This is also a billing issue as well as a customer service issue. This company doesn't take care of their customers they take care of their mighty dollars and profits. I spoke to a [redacted] rep about how I was supposed to have a 12month promotional and they told me it was only for 6 months and they charged me 92 dollars of deferred interest. Then I spoke to one of their reps and they told me they would extend the promotion to 12 months and the interest would be credtited. A few weeks later I get a bill with the 92 back on the card and a note saying to call a rep. I called the rep and they said my request was denied, yet a few weeks prior the rep told me directly that they valued me as a customer and that they would extend the promotion to 12 month and give me a credit. That is not the way to do business nor take care of customers.

Product_Or_Service: [redacted] Tires

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want them to credit me back the 92 dollars they told me they would credit.

Business

Response:

Thank you for your communication regarding the customer's [redacted] account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to [redacted] within the next 7-10 business days.

Thank you,

Executive Response

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The business simply wants to repsond with what they have always responded, that they can't do anything to help me. I already went that avenue and nothing happened. They say they will repsond in 7-10 days. I will see if anything changes.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I will wait for the business to respond to me by mail. Thank you.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to the customer within the next 7-10 business days.

Executive Response Unit

Review: On 3/**/15 before 5 p.m. I tried to make a payment through the automated service . The recording said the system is down and to call back. I tried three more times with no luck. I then called back the next day and they said I was late even though I called three times the day before, thus I was hit with a $30.00 late fee for their service not working properly. My due date for this account was the 3/** before 5 p.m.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Just want late fee back.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Late payment due to address change error promised to be reversed but wasn't reversed.

I opened a [redacted] consumer credit card (serviced by Citibank) in August 2000. I never had a single late payment and spent many thousands of dollars in purchases. In September 2010, my husband was preparing to return home from deployment in Iraq and I had to move across the country for his military assignment. Although I submitted a change of address, I didn't receive a billing statement that month and I had limited internet access as I was traveling across the country in an RV. I made a payment (late) and called customer service immediately upon discovering the mistake. The customer service representative was kind and offered to remove the late fee and reassured me that the late payment would not effect my credit. The late payment was reported to the credit bureaus and, because I am a dependent spouse and my husband (the service member) was only a co-signer on the account, I was told that any rights under the SSCRA would not apply and that my excellent credit history did not matter. As a result, I have repeatedly been denied credit over the last 4 years. The only blemish on my credit report is a single late payment in the 11 years I had my [redacted] credit card. Despite repeated attempts to call customer service, the late payment was never reversed as promised. I have been trying for 4 years to get this resolved.Desired Settlement: Reversal of late payment (Sept. 2010) from consumer credit card account and removal of late payment from credit history.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact her directly?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have not received a response from the business.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have sent a copy of his deployment orders.[redacted]I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: The business is still not willing to honor their original commitment. Nothing has changed. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.Sincerely,

Business

Response:

We responded to the customer on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office....

Review: I was contacted my a sears credit card agent on July **, 2014. I agreed to make a over the phone payment in the amount of $50.00. I was contacted by customer service on July **, 2014 and was told that there was mistake - that the agent I spoke with on July ** inadvertently submit a payment in the amount of $1,583.04. Customer services informed me that if the bank charges any overdraft fees Sears would assume responsibility for the fees. I checked with the bank and discovered that the bank returned the check and charged me a $35.00 overdraft fee. On July ** I contacted customer service informed them that an overdraft fee had been charged. Customer service informed me to faxed the bank statement reflecting this fee to ###-###-####. On July **, 2014 I faxed the requested documents. On July **, 2014 the request for payment in the amount on $1,583.04 was submitted again; and again my account was charge a second overdraft fee. I contacted customer service again and was given a totally new set of information to faxed and I was told that it is the error of the bank to charge me a second time and not sure if they would pay the second overdraft charge. I beg to differ. Sears should not of resubmitted a payment amount for a second time that was already determine to in error and not what I agreed upon on July **, 2014. I want both overdraft fees - a total amount of $70.00 to be refunded to me.Desired Settlement: DesiredSettlementID: Refund

Refund my overdraft fees totaling $70.00

Business

Response:

Good Day All,

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Regards,

Review: Did not reverse excessive charge. I have been paying this company on a timely basis each month for a very long time, and generally paying much more than the minimum payment. My payments have been scheduled to be automatically paid by my bank on time. Therefore I should have an excellent credit reputation with this company. I did not receive the Citicard statement for the billing period 7/**/14-08/**/14 and did not know that the payment that month was $3.58 more than the previous payments. My bank paid the statement, as usual, on a timely basis but the payment was $3.58 short. Citibank charged a $25.00 fee described on the statement as "Aug Payment Past Due." The payment was not past due but merely short a few dollars. I contacted their representative [redacted] on 9/**/14 and was informed to mail the $3.58 in so that the $25.00 fee could be reversed. To date it has not been reversed.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want the $25 "late fee" reversed and an assurance that this event will not increase my interest rate, will not show as a late payment on my credit record or affect my credit reputation in any way. An apology would also be desirable as it seems to me a long-time reliable customer should not be subjected to a "late fee" or other changes to an account paid in a timely way, especially for a $3 discrepancy when I didn't receive a statement for that month and didn't kno

Business

Response:

We will corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Review: "Thank you for calling customer service in [redacted]. My name is [redacted]. May I have your name please?"

I asked the representative, [redacted], to perform a charge-back. She didn't know what that meant. There was a charge that I wanted to dispute. She failed to transfer me to her billing dispute department. I called on Saturday, October **, 2014 around 3:26PM Eastern Standard Time from ###-###-####, a [redacted] number.

[redacted]: "Now, how can I help you today?"

[redacted]: "I need to do a charge-back."

[redacted]: "OK. Uh? Charge-back? Now which....as of...um...what do you mean...a 'charge-back'"?

(Disconnects)Desired Settlement: Make certain that all your reps know what charge-backs and billing disputes are, and to transfer customers over to the billing dispute department.

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Review: My CitiBusiness credit card had a transaction of $107.14 charged to it on 05/**/2015 from Microsoft. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on 05/**/2015. My employment at the business for which the card was used ended on 05/**/2015.

The last transactions that I authorized and purchased were paid in full in February 2015, with no further transactions being made or authorized by myself from that point on.

I was unaware of this charge made on 05/**/2015 until I received a physical letter in the mail from CitiBank on 10/**/2015. I immediately contacted CitiBank on 10/**/2015 as soon as I was aware of the charge and the ongoing situation with my account.

After my first conversation with CitiBank on 10/**/2015, it was suggested by CitiBank that I contact Microsoft about the charge. I contacted Microsoft immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase.

I did not personally make or approve the charge made to my account on 05[redacted]/2015, nor was I aware of it until 10/[redacted]2015, and I have not and will never receive any product or service from Microsoft for this charge.

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until 10/**/2015.

CitiBank has closed my account and sent the balance due to a collection agency, Pro Consulting Services, Inc.Desired Settlement: Credit all charges related to unauthorized transaction.

Business

Response:

We

will be corresponding directly with our customer. If you would like to further

discuss the resolution, may I suggest you contact them directly?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I am being harrassed by collection agencies....I had a charge card that was cancelled at the advice of a Citi card representative because I was wanting to cancel an automatic payment for health insurance (I cancelled the insurance ).....a lady named [redacted] said I could not cancel the auto charge, it would be easier to cancel the card, she said their was no balance on the card because I had already paid the payment and there would not be another charge on the card for at least another week....so I said cancel and she did. She said they would send me another card with a new account number in the mail and they did but I did not activate it, I cut it up and threw it in the garbage. The next month I get a bill on this new card for the auto payment on the cancelled card....this has been going on for 6 months....I have talked to many Citi card representatives, their billing people, collection companies and I have done everything that they have told me to inculding calling the insurance company and making sure that they did not get another payment after it was cancelled and they have assured me that they did not. I finally wrote a letter to the company on the advice of the last collection person I talked to because she said that was the only way to handle this. I feel that someone at Citi card has made the mistake and they are trying to make me pay for it. I always pay my bills on time, but if I dont owe something, I dont think I should have to pay for someone's mistake.Desired Settlement: To stop the letters, bills and phone calls and to remove any damage to my credit score, if any!

Business

Response:

Dear [redacted]:

This letter is to confirm our recent telephone conversation regarding the inquiry we received on your behalf from the New York Revdex.com related to the above-referenced account.

As you indicated you cancelled this insurance, your account will be credited for the $229.95 charge from [redacted] billed on February **, 2013, along with any related late fees and interest charges. Additionally, I have requested that the consumer reporting agencies remove the above-referenced account from your credit profile.

I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Dear [redacted] of SD My name is [redacted] and I am a credit card customer with Citi Credit Cards. I hope you can help and investigate the legitimacy of the operations of Citi as a company. I recognize I did not pay on time, I agree I should have been better with paying my credit card bills but I get no help from Citi. City within 60 days of me being late with my payment reported me to the credit card agencys for being 30 days late. Citi cards never wrote me via mail. All they have done is harassed me via several phone calls every day for the last 50 days or so, emailed me which went to my spam email box. I made a payment tonight to get the phone calls stopped and the harassment being stopped. Since Citi Credit Card corporate office is based in your state of South Dakota I need your help to contact them and help me the consumer. All I want is the wrongful reporting being taken off my credit report. I understand I made a mistake and I did speak with [redacted] at the presidents office in Citi but she refused to help. I am a very busy person and I did forget the payment. I did ignore the 800 or 866 calls because of the several calls being done every day. Citi Cards NEVER ONCE contacted me via regular mail. They said they DID not have to do so because they called me a few times a day and sent emails. Please help and if you cant help, please forward my request to Senators and Congressmen in Washington DC to look at the Federal Credit Act.

Sincerely yours, [redacted] ###-###-####Desired Settlement: I would like Citi Cards to take the delay of payment off the credit report.

Business

Response:

Dear [redacted]:

This letter is to confirm our conversation on December *, 2013 regarding the manner in which the above-referenced account is reflected on your credit profile. We subsequently received inquiries on your behalf from the Revdex.com, the Consumer Financial Protection Bureau and the South Dakota Attorney General's Office.

The account information and payment history are reporting correctly and will not be changed or deleted. However, you may place a consumer statement on your credit profile to explain any extenuating circumstances that may have prevented you from making payments. Our records reflect the minimum payments due by September **, October ** and November **, 2013 were not received until December *, 2013 at which time you remitted a $97.00 payment by phone.

As to your concern that you were not notified by mail that the account was past due, multiple attempts were made by our Collections area to contact you by telephone, as well as by email, regarding the past due status of your account. All calls were made within the state and federal guidelines. In addition, our records reflect you enrolled in our paperless statements option on February **, 2013. Therefore, statement notification and past due notification emails were sent to the email address on file of [redacted] advising you that your statement was available for viewing at Account Online. Your statements reflect the minimum payment due, the due date and any past due amount.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Business

Response:

Dear [redacted]:

We recently received an additional inquiry on your behalf from the Revdex.com regarding the above-referenced account.

Although we understand that you are displeased with the outcome of your inquiry, our position remains unchanged. In our previous letter dated December **, 2013, we explained that our Collections area made multiple attempts via telephone and email regarding the past due status of your account. In addition, statement notification and past due notification emails were sent to the email address on file. These were not returned as undeliverable. A copy of this letter is enclosed for your review.

In response to your concern regarding discrimination due to race and national origin, we would like to assure you that Citibank does comply with the federal Equal Credit Opportunity Act and does not discriminate against credit applicants or customers on the basis of race, color, religion, national origin, sex, marital status, age, receipt of income from public assistance, or exercise of rights under the Consumer Protection Act. If you have additional information that you believe supports your claim of discrimination, please forward it to me at the address listed above.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Citi Cards did not offer any help and did not tried to reach me via regular mail. Per their terms and conditions they say they will reach out to me. I did not recieve the emails they said they had sent.

I only got harassment calls from their auto system that was connected to a rude customer service person that could barley speak english. I am sorry but their harassment tactic and discrimination towards me is not right nor is it legal.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

I like to see Citi Cards take off the late payment off my credit report because it is not right and illegal. I also like to see Attorney Generals office to investigate Citi Cards for harassment and discrimination of race, and my ethnicity. I am having my attorney looking into this and if Revdex.com can not help then I need to take other steps. But please make sure other government entities be aware of the illegal tactics Citi is using to harass their customers.

Review: On February [redacted], 2015 to present, I have been receiving calls that I am 2 months behind on payments. I checked with BOA and they stated that Citi Bank received my January & February payment and that they have been cashed. BOA gave me check number and confirmation number. I Faxed all proof of my payments to Citi bank on February [redacted], [redacted], [redacted] & the [redacted].they ask me to fax first to ###-###-#### and then to ###-###-####., Citi Bank has left several voice messages that I am late and twice when I picked up phone the customer service department were so rude putting me down that I should not get a credit card if I don't know how to pay them. How darn them. I own a Business and I pay my taxes, Insurance and I have 5 Credit Cards that I pay 10 days before due date and I always give more than what I owe each month, so for them to put me down is horrible. Before they accuse me of being a low life, they should correct their records. This is the 3rd time this has happen. I have two accounts with them and they seem to get the payment the other one, but this credit card I have to go out of my way to show them proof. If I try calling them to explain they are so rude and dis respectful with me, I have to hang up on them, They are constantly calling me at work and I have told them not to call me anymore they can send me late notices, but they never do.

Order_Number: [redacted] Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like Citi bank Simplicity to correct their records and to stop calling me to speak to me rude. This needs to stop. I also want them to mail me a paper statement each month which I have requested 3 times, and they still will not do this

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.